Renters Insurance

Renters insurance protects the things that matter to you – like your clothes, furniture, and electronics.

If you can't live in your rented property because of a covered loss, your policy will pay additional living expenses while damage is assessed and repairs are completed.

A standard renters policy provides personal liability coverage, which applies anywhere in the world. This protects you and your family in case someone brings a claim against you or sues you, alleging that you caused them either bodily injury or property damage.

This covers medical expenses for guest if they are injured on your property. It does not cover health care costs for you or other members of your household.

Your personal property is distinctive and additional coverage is available to fit your needs. Just a reminder, most renters policies do not include coverage for Earthquakes or Flood so be sure to contact us about these and additional coverage options for you.

A. If you rent an apartment or house, renters insurance provides important coverage for both you and your possessions. A standard renters policy protects your personal property in case of theft or damage and may pay for temporary living expenses if your rental is damaged. It can also shield you from personal liability. Anyone who leases a house or apartment should consider this type of coverage.

A. A renters policy provides named perils coverage. This means that the policy only pays when your property is damaged or destroyed by any of the ways specifically described in the policy.

A. Apartment complex owners buy insurance policies to cover liability, and their buildings and personal property. These policies do not, however, cover tenants' property or liability. By requiring their tenants to have renters insurance, the apartment owner ensures that tenants do not assume that their liability and personal property are covered by the owner's policy. Even though this requirement benefits the apartment complex owner, it also benefits the renter. We recommend that you purchase renters insurance regardless of what your landlord requires.

A. A standard renters policy covers only you (the policy holder) and any relatives that live with you. If your roommate is not a relative, each of you will need your own renters policy to cover your personal property and to provide liability coverage for your own actions.